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Allsup Outlines Rights of People Leaving Work Due to a Disability
Date:1/20/2009

s facing severe disabilities ask their employers:

1. Do I have short-term or long-term disability insurance benefits?

Generally, you will know this because you will have paid for at least part of the premiums while you were employed. Your employer's benefits administrators can tell you any wage-related disability benefits you have available to you through your employer. Typically there is a two-week waiting period before short-term disability kicks in during which no money is paid. The length of short-term disability varies based on the plan and is usually coordinated with the waiting period for long-term disability, if this also is available. Long-term disability plans can have waiting periods from 60 to 720 days, with 90 days being common. If you also have long-term disability, it can replace a portion of your wages for up to five years or age 65, depending upon the plan's coverage.

Even if you have private short- or long-term disability coverage, it does not cover the cost of health insurance premiums. Some employers provide some type of health insurance coverage for employees on disability. So make sure to identify your options.

While having employer-provided disability coverage is ideal, the Social Security Administration estimates that 69 percent of employees do not have long-term disability coverage.

2. How many sick days, vacation or personal days have I accumulated?

It's important to know how many paid-time-off days you have accumulated. If you have healthcare insurance through your employer, you may be better off depleting these days before resigning. Any part of the premium you are required to pay will continue to be deducted from your paycheck. This will allow you to continue to keep healthcare insurance coverage at the most affordable rate f
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Source: PRWeb
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Allsup Outlines Rights of People Leaving Work Due to a Disability
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